Stories

  • East Belfast Independent Advice Centre

    EBIAC have been providing free and independent advice and advocacy across a broad range of issues since June 2000. This includes confidential advice and representation with Tax Credits, Welfare Benefits, Employment, Housing and Debt issues.
  • ​Dove House Advice Services

    ​An advice service was able to help a family improve the quality of their lives

    A client who was a single parent with a number of children sought help from Dove House Advice Services. The family needed immediate intervention after the marriage broke down due to alcohol related issues and difficulties coping with a range of debt problems.
  • ​East Belfast Independent Advice Centre

    ​Appealing an Incapacity Benefit / Income Support (IB/IS) reassessment

    The client was a 58 year old woman with long term mental and physical health problems including chronic anxiety, panic attacks, chronic obstructive pulmonary disease (COPD), and chronic low back pain. She had been in receipt of Incapacity Benefit / Income Support (IB/IS) for many years. On IB/IS reassessment for Employment & Support Allowance (ESA) she was awarded zero points and found not to have limited capability for work.
  • Street scene

    Benefits withdrawals and Food Banks

    Advisers often have to refer clients to food banks because their benefits have stopped due to administrative problems

  • Street Scene

    Omagh Independent Advice Services

    ​An adviser conducted a benefits check and successfully appealed an Attendance Allowance

    An adviser conducted a benefit entitlement check for an 80 year old woman suffering from angina, chronic obstructive pulmonary disease, osteoarthritis, depression and had a propensity to fall. An application was made for Attendance Allowance.
  • Budgeting image

    A Change in Family Circumstances

    ​"Before I saw the adviser I couldn’t visualise a way out of my situation"

    A client was recently separated from her abusive husband and was unaware that he had stopped paying their joint mortgage and secured loan. The lender was forcing repossession and as the client could not afford repayments she had to find alternative accommodation.
  • ​Tax & Benefits Service

    ​Income tax debt caused by a self-assessment error

    A client came to our Tax & Benefits service asking for assistance with an Income Tax debt of approximately £4,000. The client had a long history of mental health issues and had experienced a very unsettled period in her life due to homelessness. Once the client obtained a fixed abode, she started to receive letters demanding payment of the debt but had no understanding of how the debt had arisen.
  • Business Debt

    Business Debt

    ​A sole trader who ran into difficulties with HMRC

    A sole trader who had an engineering business ran into difficulties with HMRC when he received notice that he had liabilities totalling over £30,000 due for unpaid PAYE, VAT and self-assessment.
  • Business Debtline

    ​A farmer who ran into difficulty repaying a secured business overdraft sought advice from Business Debtline

    A farmer ran into difficulties with his bank when he was unable to maintain the agreed contractual repayments on a business overdraft of £55,000 which had been secured on his home.
  • Food Bank Network

    ​Food Banks Referrals

    Advisers often have to refer clients to food banks because their benefits have stopped due to administrative problems

    A Job Seekers Allowance (JSA) claimant contacted Advice NI in a state of distress after receiving a letter dated Friday 29th May which arrived on Saturday 30th May stating that his JSA was not payable from 30th May to 12th June. The claimant said that he was anxious all weekend, that he remembered a mix-up regarding a single Steps to Success appointment in February, that he thought that his explanation had been accepted and that he did not know how he would survive as he had no money and no savings.

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